Should I Exclude Drivers With Bad Driving Record In My Policy?

November 8 2008 by author in Bad Driving Record |Comments Off

Reader’s Question:

My husband has recently gotten traffic violations here in Bowie, Maryland and I’m afraid its causing our car insurance expenses to go through the roof! Would it be a good idea to exclude him from our car insurance policy for the time being?

Luisa

Bowie, MD

Dear Luisa, you may be surprised to hear that there are a lot of people who share your sentiments. A spouse’s bad driving record can definitely cause you to pay hefty, inflated premiums in your car insurance. I’m sure this is not something you would want to experience, especially if you’ve worked hard all your life to be a responsible and safe driver as well as maintain a good driving history. Almost all states and auto insurance providers will allow you to exclude or remove spouses with less-than-stellar driving records off their husband’s/ wife’s auto insurance coverage.

Please do take note that once you do remove your husband from your current insurance coverage, he will be completely unprotected in the event of a car accident. Not unless you’re sure he wont be driving anytime soon, both of you might end up paying more in the event he does have a car accident or causes injury or destruction of property.

Here’s a suggestion: If your husband can afford to take public transportation the its highly recommended if he wont have any car insurance policy, otherwise you may decide to pay the higher premiums for now. You can have him enroll in Drivers Education or Defensive Driving Classes to help improve his skills in road safety. This should also give him much needed plus points and improve his driving records and eventually, after a couple of years accident and violation free, both of you can enjoy lower insurance premiums again.

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